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Build a light payment routing service in Node.js (TypeScript) using Fastify, supporting Stripe and Adyen as underlying payment service providers (PSPs).

1. DATA MODEL & STATE MACHINE:
- Define a PaymentIntent schema tracking ID, order_id, amount, currency, customer_email, primary_psp, secondary_psp, current_status (created, processing, succeeded, failed), soft_decline_retried (boolean), and raw_psp_responses (JSON array).
- Store transactions in PostgreSQL using Prisma ORM.

2. CORE ROUTING LOGIC:
- Implement POST /v1/payments/charge.
- Inspect the request (amount, currency, customer country).
- Apply static rules: If currency is BRL, route to Adyen. Default to Stripe for USD/EUR.
- Execute transaction against the selected primary PSP.

3. FAILOVER & SOFT DECLINE HANDLING:
- Intercept response from primary PSP. If the payment returns a soft decline (e.g., rate limit, processor failure, code 2001 or 05 retryable), update soft_decline_retried to true and immediately attempt the charge on the secondary PSP.
- If hard decline (e.g., insufficient funds, fraud block), log failure and return standard error response immediately without retrying.

4. UNIFIED WEBHOOK HANDLING:
- Expose POST /v1/webhooks/stripe and POST /v1/webhooks/adyen.
- Verify signature headers for both providers.
- Normalize webhook events into an internal schema: { event_type: 'payment_succeeded' | 'payment_failed', psp_transaction_id, internal_payment_id }.
- Update payment status in PostgreSQL atomically.

5. OUT OF SCOPE:
- PCI credit card token vaulting (delegate via frontend SDK tokens to Stripe/Adyen directly).
- Automated bank reconciliation file parsing.
- Advanced machine learning routing optimization.

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